Do you believe that just because sellers are selling at a perceived discount that it is a buyers market or do you believe the same as I and the term 'buyers market' is a term used to spur purchases and growth?

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Also asking what year house to buy because  you perceive old houses as bad without knowing build quality worries me.  

When everyone is buying and prices are rising, they perceive risk to be low, which causes more people to jump in, raising prices further, and increasing risk. 

The sellers perceived value of the property just wasn't there and it took some time to educate them. 

It's how you view and overall how the public perceives it.  

If you drop out, that will create a quiting attitude for the rest of your life Last point, if you dont have a HS diploma, people WILL perceive you negatively.

And I understand your frustration and what your perceive as a lack of attention and dedication.I think your best solution is to continue to look at the results the search emails you.  

Is it as simple as adjusting the interest rate and # of points based on the perceived risk/reward level?

People perceive their monthly rent as a throwaway which is not the case.